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Book Thirty Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1893  Vol  2

Download or read book Thirty Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1893 Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2018-09-07 with total page 404 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1893, Vol. 2: Life, Casualty and Assessment Insurance Under these favorable and promising conditions, and With the intelligent guidance Which experience has made available, no excusable mishap to the business seems possible, except from such a cause as would jeopardize or ruin every other monetary enterprise. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Thirty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2018-02-23 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1888; Life, Casualty and Guarantee Insurance Each of the domestic companies shows a handsome increase in business, although in ordinary life the John Hancock pre sents a small falling Off, but its industrial branch presents an increase of nearly These companies have now in force policies, covering $167 of insurance, not including the policies of in amount, of the industrial insurance of the John Hancock. Their gross income exceeded expenditures during the year in the sum of and the surplus was increased In every respect these companies are in a gratifyingly stable condition. The results of the triennial examinations of the New England, the Massachusetts and the State are given elsewhere. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1886  Vol  2

Download or read book Thirty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1886 Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2017-10-11 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1886, Vol. 2: Life, Casualty and Guarantee Insurance The changes since last report are the forced Withdrawal of the American Steam Boiler Insurance Company of New York, and the qualification of the Massachusetts Title Insurance Company, under the provisions of chapter 180 of the Acts of 1884. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Thirty Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Geo S. Merrill and published by Forgotten Books. This book was released on 2017-11-18 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1891; Life, Casualty and Assessment Insurance These aggregates do not include industrial policies, covering $27 7 793, 527 of insurance of the three companies engaged In this branch of business. The number of companies has been Changed only by the withdrawal of the Vermont Life. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Forty Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Forty Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2018-02-23 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Forty-Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1903, Life, Miscellaneous, Assessment and Fraternal Insurance What will be the final outcome is not yet certain; but the department is clear that the company should not be allowed to issue policies of life insurance under present conditions. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Fifty Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1913  Vol  2

Download or read book Fifty Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1913 Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2018-02-28 with total page 726 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Fifty-Eighth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1913, Vol. 2: Life, Miscellaneous, Assessment and Fraternal Insurance But this should be the work of the companies and not the work of insurance departments. It pays the companies to state fully to every policy holder who is not receiving what he has been led to ex peet the reasons why the company cannot meet those expectations, instead of furnishing a curt statement of what is his due. A satisfied policy holder is an asset to a company; a dissatisfied one, made so by a course that he considers worse than neglect, not only spoils the asset he would otherwise be but is liable to leaven quite a lump of assets. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Forty Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Forty Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts; Insurance Commissioners and published by Forgotten Books. This book was released on 2015-06-17 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Forty-Eight Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1903, Life, Miscellaneous, Assessment and Fraternal Insurance About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty Second Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Thirty Second Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2017-01-28 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Second Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1887; Life, Casualty and Guarantee Insurance New York, which was admitted in 1868. There are now twenty-six such companies SO qualified and in active busi ness. Each of these report as the sum of the year's trans actions more new business done than in the previous year, and a larger number of policies and amount of insurance in force. A table was published in the last annual report exhibiting the aggregate assets and policies, and insurance in force, in each year for sixteen successive years past, of all the com panics filing statements with this department during that period. For December 31, 1870, the earliest date of the record, the aggregates of sixty-five companies were Assets, policies, amount of insurance, $1, The annual statements of twenty-six companies for December 31, 1886, Show these results: Assets, $545, policies, insurance, This does not include the industrial policies of the Metropol itan, the John Hancock, and the Germania, which together number of the amount of The gain in 1886, besides the loss by the Homoeopathic Mutual Life, was, in assets, in policies, in sum of insurance, To that gain, though in differ ent degree, each company was a contributor. The larger proportionate gain in assets Since 1870 indicates the per sistence of old policies. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Thirty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2015-06-25 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1886; Life, Casualty and Guarantee Insurance To the Honorable the Senate and the House of Representatives: The preparation of the Second Part (Life and Casualty) of the Thirty-first Annual Report of the Department is complete. The date of its distribution in the customary book form to the public now depends upon the expedition of the publishers. While the department's resources are diligently employed to submit the report at the earliest day possible, the Commissioner considers thoroughness of preparation and accurate verification of more consequence then speed in publication. This report is made several weeks earlier in season than the promptest of its predecessors. For which acceptable circumstance I have renewed occasion to thank the skilful diligence of Deputy Commissioner Smith and the actuarial force under his charge. The labor of valuation of life policies, which is the principal labor in the preparation of the report, increases year by year. The Department valued 782,605 policies in force December 31. 1885, insuring $1,975,878,524, exclusive of policies of industrial insurance. This is an increase of 209,936 in number of policies and $557,612,019 in amount of insurance since 1880; and more than justifies the request I preferred to the legislature for an increase of a thousand dollars in the annual appropriation for the work of valuation. The life companies, as for several years past, are (exclusive of the Hospital Life) twenty-seven in number, of which five are organized under and subject to the laws of this Commonwealth, and twenty-two are corporations of other of the United States. The Casualty and other insurance companies are ten. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Thirty Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2018-09-07 with total page 390 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1889; Life, Casualty and Guarantee Insurance Policies issued during year, Amount issued, Policies in force at close, Amount in force, Gain in number. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Nineteenth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1874  Vol  2

Download or read book Nineteenth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1874 Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2017-12-13 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Nineteenth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1874, Vol. 2: Life and Accident Insurance Summary of the Business of thirty-one Companies Withdrawn, as compared with the present Business of forty-one remaining, summary of the Condition of Withdrawn Companies, etc. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Thirty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1888  Vol  1

Download or read book Thirty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1888 Vol 1 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2018-01-29 with total page 590 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Thirty-Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1888, Vol. 1: Fire and Marine Insurance Massachusetts mutual marine insurance companies, Table iii.-guaranty fund, scrip, risks, assets, liabilities, and surplus, Table IV. Gross Cash income and expenditures, premiums, losses, and expenses. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Sixty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Sixty Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2018-02-24 with total page 764 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Sixty-Third Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1918; Life, Miscellaneous, Assessment and Fraternal Insurance Table F. Policy exhibit of issues, terminations, etc table G. Classification of policies and insurance in force, table H. Mode of termination. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Sixty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  Vol  2

Download or read book Sixty First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts Vol 2 written by Massachusetts Insurance Commissioner and published by Forgotten Books. This book was released on 2018-01-04 with total page 768 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Sixty-First Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, Vol. 2: January 1, 1916; Life, Miscellaneous, Assessment and Fraternal Insurance The Schedule Z filed this year shows for the classes, where it is valuable to show anything, that the new rates are reasonably correct for present benefits. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Fifty Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1909  Vol  2

Download or read book Fifty Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1909 Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2016-06-27 with total page 596 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Fifty-Fourth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1909, Vol. 2: Life, Miscellaneous, Assessment and Fraternal Insurance Officials of some of the foreign companies authorized to do busi ness in Massachusetts have had some difficulty in interpreting the provisions of section 20 of the Massachusetts insurance law as far as that section relates to the reinsurance of risks in this Common wealth, a difficulty, however, not shared by the officials of the In surance Department. In deference to their views the question at issue was referred to the Attorney - General for an opinion, which opinion is given herewith. It confirms the position taken by this department whenever the meaning of the act has been called in ques tion, which position is the only logical and fair one, regardless of statute provisions, for it tends to secure for companies authorized here the insurance business of the Commonwealth, to which certainly, after qualifying to do business here, they are entitled. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Forty Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1901  Vol  2

Download or read book Forty Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1901 Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2017-06-12 with total page 572 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Forty-Sixth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1901, Vol. 2: Life, Casualty and Assessment Insurance These investments, of so great volume and variety, necessa rily participate in the character of all the sound and reliable properties of the country; and, although there have been and may be periods of depression which affect nominally all values, there exists no necessity for any changes of investment on that account by the companies when the wave passes they are found again in the same general condition as the average of the substantial investments of the community. Probably there is no other class of institutions holding large trusts less sub ject to sudden and forcible conversion or change of invest ments than the life companies, and hence none able to show better average earnings and results and in the report of inter est earned during the year, the rate per cent. Realized shows no material variation from that of recent years, and that the reserves in this respect are well protected. So far, then, as the amount of property to protect the policy obligations and the mortality and interest experiences are con cerned, the conditions are favorable and satisfactory. The volume of business done and the grand totals of amounts in force show relatively the same increase as in the previous year, and are indicative of active and healthy conditions, and that with return of business activity there will be no lagging of enterprise or lack of progress. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

Book Fifty Fifth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts  January 1  1910  Vol  2

Download or read book Fifty Fifth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts January 1 1910 Vol 2 written by Massachusetts Insurance Commissioners and published by Forgotten Books. This book was released on 2017-12-22 with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Fifty-Fifth Annual Report of the Insurance Commissioner of the Commonwealth of Massachusetts, January 1, 1910, Vol. 2: Life, Miscellaneous, Assessment and Fraternal Insurance One of the marked changes in the laws relating to insurance made by the Legislature of the present year was the enactment of the statute providing standard provisions for health and accident poli cies. This act goes into effect J an. 1, 1911, and is substantially like the law enacted in New York the present year. This act is the result of work done by the insurance commissioners of the various States, who, seeing that policies issued by accident companies were in many respects unsatisfactory, determined to draft a bill and offer it for consideration to the Legislatures of their several States. It is expected that many other States besideslnew York and Massachu setts will enact this bill into law, and thus give practical uniform legislation on this question in a very large proportion of the States. This will be in the interest of the companies as well as the policy holders, and is simply a step in the direction of uniform legislation, which should be followed, and doubtless will be followed, by other attempts on the part of the insurance commissioners to pave the way for harmonizing the essential provisions of the insurance laws of the various State-s as far as practicable. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.